What is a green mortgage?

A green mortgage is a unique home loan designed to promote energy efficiency, reduce carbon footprints, and support environmentally friendly living. Unlike standard mortgages, green mortgages offer a range of benefits all aimed at encouraging homeowners to invest in energy-efficient improvements.


Where can you get a green mortgage?

There are multiple avenues for getting a green mortgage. There are a variety of lenders that offer green mortgages, from high street banks to building societies to specialist lenders. Knowing which one may be difficult for the average consumer, so if you have any confusion, your best route may be by speaking to a mortgage adviser.

Mortgage advisers

Many mortgage brokers specialise in green mortgages. These advisers work with a variety of lenders to help borrowers find the best green mortgage options tailored to their specific needs and preferences. Using mortgage brokers can be a convenient way to compare multiple offers and secure the most favourable terms for your green home.

High street banks and building societies

Many mainstream banks and building societies in the UK now offer green mortgage options to cater to the increasing demand for sustainable housing solutions. To find a green mortgage from a traditional lender, approach your local bank or building society and inquire about their green housing initiatives. More lenders are likely to provide green mortgages and reward homeowners who increase the efficiency of their houses with lower rates over time.

Specialist lenders

In addition to traditional lenders, specialised green lenders also offer green mortgages, with some even focusing solely on green financing. Some of these lenders are dedicated to providing green mortgage options and often offer competitive terms, backed by their in-depth knowledge of sustainable housing. They can guide borrowers through the process of making their homes more energy-efficient.

Start lowering your carbon footprint today

Getting a green mortgage is a significant step toward supporting sustainable living and reducing your environmental impact. To find a green mortgage, you can explore various sources, including high street banks, specialist lenders, and potential local green initiatives.

The key is to research what aligns best with your sustainable homeownership goals and speak through your options with a mortgage adviser. By choosing a green mortgage, you not only reduce your carbon footprint but also contribute to a more sustainable and eco-conscious future.

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

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